Scheduled Personal Property

Provision to insure high-value items like jewelry, art, firearms, collectibles, etc. that exceed the general limits of coverage in the policy. 

For instance, jewelry might have a $1000 limit per piece, and $2500 total coverage on the policy, for all items stolen or lost. 

Usually deductibles, if any, on SPP items at the time of loss, are lower than the Homeowners.

Start by creating an inventory of your belongings. Take photos and videos, dig up old receipts and have items appraised as needed. 

If the value of any item exceeds the limits of your homeowner’s policy, consider adding on coverage.